PFSI PennyMac Financial Services Inc

  1. Stocks
  2. Financial Services
  3. NYSE: PFSI

Price (delayed)

$99.91

Market cap

$5.09B

P/E Ratio

32.54

Dividend/share

$0.8

EPS

$3.07

Enterprise value

$18.85B

PennyMac Financial Services, Inc. is a specialty financial services firm with a comprehensive mortgage platform and integrated business focused on the production and servicing of U.S. mortgage loans and the ...

Highlights
PFSI's equity is up by 3.4% YoY
The company's net income has shrunk by 54% YoY but it rose by 6% QoQ
PennyMac Financial Services's EPS has plunged by 52% YoY but it has increased by 6% from the previous quarter
The price to earnings (P/E) is 47% higher than the last 4 quarters average of 22.1
PFSI's gross profit is down by 15% year-on-year
Sector: Financial Services
Industry: Mortgage Finance
Website: http://www.pennymacusa.com
Peers: WRLD SLM FMCC

Key stats

What are the main financial stats of PFSI
Market
Shares outstanding
50.92M
Market cap
$5.09B
Enterprise value
$18.85B
Valuations
Price to earnings (P/E)
32.54
Price to book (P/B)
1.41
Price to sales (P/S)
3.6
EV/EBIT
99.57
EV/EBITDA
72.73
EV/Sales
13.42
Earnings
Revenue
$1.4B
EBIT
$189.37M
EBITDA
$259.23M
Free cash flow
$755.54M
Per share
EPS
$3.07
Free cash flow per share
$14.95
Book value per share
$70.8
Revenue per share
$27.79
TBVPS
$391.75
Balance sheet
Total assets
$19.8B
Total liabilities
$16.23B
Debt
$14.69B
Equity
$3.57B
Working capital
N/A
Liquidity
Debt to equity
4.12
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
53.11
Margins
EBITDA margin
18.5%
Gross margin
94.8%
Net margin
10.9%
Operating margin
13.5%
Efficiency
Return on assets
0.8%
Return on equity
4.3%
Return on invested capital
0.6%
Return on capital employed
N/A
Return on sales
13.5%
Dividend
Dividend yield
0.8%
DPS
$0.8
Payout ratio
26.1%

PFSI stock price

How has the PennyMac Financial Services stock price performed over time
Intraday
0.61%
1 week
-1.17%
1 month
8.8%
1 year
22.27%
YTD
13.06%
QTD
5.61%

Financial performance

How have PennyMac Financial Services's revenue and profit performed over time
Revenue
$1.4B
Gross profit
$1.33B
Operating income
$189.37M
Net income
$153.59M
Gross margin
94.8%
Net margin
10.9%
PennyMac Financial Services's operating income has shrunk by 60% YoY but it has increased by 3.1% QoQ
The company's net income has shrunk by 54% YoY but it rose by 6% QoQ
PennyMac Financial Services's operating margin has shrunk by 53% YoY but it has increased by 3.1% QoQ
The net margin has declined by 47% year-on-year but it has grown by 6% since the previous quarter

Growth

What is PennyMac Financial Services's growth rate over time

Valuation

What is PennyMac Financial Services stock price valuation
PFSI P/E details
P/E
32.54
P/B
1.41
P/S
3.6
EV/EBIT
99.57
EV/EBITDA
72.73
EV/Sales
13.42
PennyMac Financial Services's EPS has plunged by 52% YoY but it has increased by 6% from the previous quarter
The price to earnings (P/E) is 47% higher than the last 4 quarters average of 22.1
The price to book (P/B) is 28% higher than the 5-year quarterly average of 1.1 and 28% higher than the last 4 quarters average of 1.1
PFSI's equity is up by 3.4% YoY
PFSI's price to sales (P/S) is 125% higher than its 5-year quarterly average of 1.6 and 29% higher than its last 4 quarters average of 2.8
The revenue has decreased by 14% YoY

Efficiency

How efficient is PennyMac Financial Services business performance
The company's return on invested capital has shrunk by 65% YoY
The company's return on assets has shrunk by 60% YoY
The ROE has plunged by 55% YoY but it has grown by 4.9% from the previous quarter
PennyMac Financial Services's ROS has plunged by 53% YoY but it has increased by 3.1% from the previous quarter

Dividends

What is PFSI's dividend history
Dividend details
DPS
$0.8
Dividend yield
0.8%
Payout ratio
26.1%
Recent dividends

Financial health

How did PennyMac Financial Services financials performed over time
PennyMac Financial Services's total assets is 22% more than its total liabilities
PennyMac Financial Services's total liabilities has increased by 6% QoQ but it has decreased by 2.5% YoY
PennyMac Financial Services's total assets has increased by 5% from the previous quarter
The debt has grown by 9% since the previous quarter but it has declined by 3.1% year-on-year
PFSI's debt to equity is up by 8% since the previous quarter but it is down by 6% year-on-year

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.